Year-End Checklist for High-Income Earners Using Life Insurance
As the year winds down, high-income earners often turn their attention to last-minute tax planning and financial clean-up. While charitable contributions and retirement plan funding typically top...
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What The Northwestern Mutual Dividend Rate Reduction Means For Policyowners
On October 26, 2016, the CEO of Northwestern Mutual announced a 45-basis point dividend scale interest rate reduction to its policy owners. This reduction will significantly impact any Northwestern...
Life Settlement vs. Surrendering Your Life Insurance Policy
A life settlement is a transaction where an existing life insurance policy is sold to a third party for fair market value. While some people may grimace at the idea of having somebody else own an...
Premium Financing Life Insurance Case Study: How to Create Estate Liquidity Without Selling Assets
Updated April 2026 to reflect current estate tax exposure and planning considerations. Premium financing life insurance has become an increasingly important strategy for affluent families facing...
The Ultimate Guide to Indexed Universal Life Insurance
Indexed Universal Life Insurance (IUL) offers a unique alternative to more traditional permanent life insurance policies. While Indexed Universal Life Insurance may not be right for everyone – it...
![[FACT] There Is No Such Thing As A Section 7702 Plan](https://staging.mericleco.com/wp-content/uploads/2016/09/fi-section-7702-life-insurance-plan-400x250.png.webp)
[FACT] There Is No Such Thing As A Section 7702 Plan
Have you ever heard of Section 7702 Plan? I hadn’t either until a few weeks ago. That’s when a colleague of mine reached out and asked me this very same question. While I was raised to never answer...
![[CASE STUDY] How A Restricted Property Trust Reduced Our Client’s Tax Rate From XX.X% to YY.Y%](https://staging.mericleco.com/wp-content/uploads/2016/09/fi-restricted-property-trust-case-study-400x250.png.webp)
[CASE STUDY] How A Restricted Property Trust Reduced Our Client’s Tax Rate From XX.X% to YY.Y%
A Restricted Property Trust provides business owners and/or key executives with tax-favored, long-term cash accumulation and income distribution. A Restricted Property Trust can provide 8% plus...
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Family Protection
The Flexibility and Benefits of Universal Life Insurance
Universal Life Insurance is the least expensive and most flexible form of permanent life insurance. Like most permanent life insurance policies,...
Business Planning
Buy Sell Agreements for Closely Held and Family Business Owners
Buy Sell Agreements for closely held and family business owners is a legal document that establishes a market for your business in the event of a...
Estate Planning
Year-End Checklist for High-Income Earners Using Life Insurance
As the year winds down, high-income earners often turn their attention to last-minute tax planning and financial clean-up. While charitable...
Accumulation
Planning Solutions
The Problem With Some Life Insurance Carriers…
Advising individuals, families, and business owners on their existing permanent life insurance coverage continues to be challenging. In fact, I just...
Life Insurance Products
Life Insurance and Mortality: What Life Insurance Carriers Don’t Want You To Know!
There are certain inevitabilities in life. Like it or not, one of them is death. When our own mortality comes into question there are always...
